First National Bank of Omaha Mortgage Lending & HMDA Data, 2009
In 2009, First National Bank of Omaha of Omaha, NE reported 9,222 mortgage applications totaling $1.3 billion, up 34% from 2008. The average application was for $146,256, and applicants reported an average income of $78,477. 79% of its applications resulted in an originated loan and 7% were denied. Its largest markets were Omaha-Council Bluffs, NE-IA (6,056), Lincoln, NE (532) and Chicago-Naperville-Joliet, IL (405) (applications in parentheses).
| Mortgage Company & Address | First National Bank of Omaha 1620 Dodge Street Omaha, NE 68197 Tel #: available with data download |
| Federal Regulator | * available with data download |
| Years | 2010 2009 2008 2007 2006 2005 2004 2003 |
| Total Number of Mortgage Applications | 9,222 |
| Total Mortgage Loan Application Amount | $1,348,778,000 |
| Average Mortgage Loan Application Amount | $146,256 |
| Highest Mortgage Loan Application Amount | $3,500,000 |
| Average Applicant Income | $78,477 |
| Highest Applicant Income | $4,456,000 |
About this data: figures come from the Home Mortgage Disclosure Act (HMDA) records First National Bank of Omaha filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans. Applications reported at $100 million or more are left out of these totals.
| Metro Area | Total Number of Mortgage Loan Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Application Amount | Average Applicant Income |
|---|---|---|---|---|
| Omaha-Council Bluffs, NE-IA | 6,056 | $ 863,071,000 | $ 142,515 | $ 74,160 |
| Lincoln, NE | 532 | $ 79,229,000 | $ 148,926 | $ 76,000 |
| Chicago-Naperville-Joliet, IL | 405 | $ 81,361,000 | $ 200,891 | $ 112,000 |
| Dallas-Plano-Irving, TX | 101 | $ 21,548,000 | $ 213,346 | $ 140,000 |
| Des Moines-West Des Moines, IA | 56 | $ 10,167,000 | $ 181,553 | $ 89,000 |
| Kansas City, MO-KS | 34 | $ 5,665,000 | $ 166,617 | $ 98,588 |
| Sioux Falls, SD | 26 | $ 4,528,000 | $ 174,153 | $ 95,000 |
| Denver-Aurora-Broomfield, CO | 16 | $ 3,608,000 | $ 225,500 | $ 144,000 |
| Phoenix-Mesa-Scottsdale, AZ | 16 | $ 3,832,000 | $ 239,500 | $ 197,000 |
| Sioux City, IA-NE-SD | 10 | $ 1,447,000 | $ 144,700 | $ 107,000 |
| Cedar Rapids, IA | 7 | $ 1,004,000 | $ 143,428 | $ 61,000 |
| Fort Worth-Arlington, TX | 6 | $ 817,000 | $ 136,166 | $ 156,000 |
| Rockford, IL | 6 | $ 922,000 | $ 153,666 | $ 77,000 |
| Ames, IA | 5 | $ 789,000 | $ 157,800 | $ 72,000 |
| Atlanta-Sandy Springs-Marietta, GA | 4 | $ 594,000 | $ 148,500 | $ 150,000 |
| Boulder, CO | 4 | $ 911,000 | $ 227,750 | $ 141,000 |
| Cheyenne, WY | 4 | $ 959,000 | $ 239,750 | $ 81,000 |
| Fort Collins-Loveland, CO | 4 | $ 976,000 | $ 244,000 | $ 90,000 |
| Minneapolis-St. Paul-Bloomington, MN-WI | 4 | $ 778,000 | $ 194,500 | $ 109,000 |
| St. Louis, MO-IL | 4 | $ 865,000 | $ 216,250 | $ 56,000 |
| Colorado Springs, CO | 3 | $ 682,000 | $ 227,333 | $ 90,000 |
| Greeley, CO | 3 | $ 435,000 | $ 145,000 | $ 77,000 |
| Houston-Sugar Land-Baytown, TX | 3 | $ 382,000 | $ 127,333 | $ 91,000 |
| Vallejo-Fairfield, CA | 3 | $ 929,000 | $ 309,666 | $ 558,000 |
| Iowa City, IA | 2 | $ 648,000 | $ 324,000 | $ 111,000 |
| Lake County-Kenosha County, IL-WI | 2 | $ 477,000 | $ 238,500 | $ 92,000 |
| Manhattan, KS | 2 | $ 380,000 | $ 190,000 | $ 98,000 |
| Orlando-Kissimmee, FL | 2 | $ 362,000 | $ 181,000 | $ 87,000 |
| Riverside-San Bernardino-Ontario, CA | 2 | $ 505,000 | $ 252,500 | $ 313,000 |
| Tampa-St. Petersburg-Clearwater, FL | 2 | $ 314,000 | $ 157,000 | $ 140,000 |
| Topeka, KS | 2 | $ 336,000 | $ 168,000 | $ 57,000 |
| Tucson, AZ | 2 | $ 480,000 | $ 240,000 | $ 238,000 |
| Asheville, NC | 1 | $ 178,000 | $ 178,000 | $ 98,000 |
| Austin-Round Rock, TX | 1 | $ 22,000 | $ 22,000 | $ 90,000 |
| Beaumont-Port Arthur, TX | 1 | $ 150,000 | $ 150,000 | $ 70,000 |
| Bloomington-Normal, IL | 1 | $ 330,000 | $ 330,000 | $ 170,000 |
| Boise City-Nampa, ID | 1 | $ 382,000 | $ 382,000 | $ 0 |
| Columbus, OH | 1 | $ 360,000 | $ 360,000 | $ 146,000 |
| Fort Lauderdale-Pompano Beach-Deerfield Beach, FL | 1 | $ 190,000 | $ 190,000 | $ 66,000 |
| Fort Walton Beach-Crestview-Destin, FL | 1 | $ 356,000 | $ 356,000 | $ 784,000 |
| Indianapolis-Carmel, IN | 1 | $ 240,000 | $ 240,000 | $ 0 |
| Jacksonville, FL | 1 | $ 258,000 | $ 258,000 | $ 85,000 |
| Kankakee-Bradley, IL | 1 | $ 175,000 | $ 175,000 | $ 128,000 |
| Kennewick-Pasco-Richland, WA | 1 | $ 222,000 | $ 222,000 | $ 153,000 |
| La Crosse, WI-MN | 1 | $ 168,000 | $ 168,000 | $ 100,000 |
| Lewiston, ID-WA | 1 | $ 99,000 | $ 99,000 | $ 88,000 |
| Louisville-Jefferson County, KY-IN | 1 | $ 367,000 | $ 367,000 | $ 183,000 |
| Miami-Miami Beach-Kendall, FL | 1 | $ 382,000 | $ 382,000 | $ 100,000 |
| Midland, TX | 1 | $ 56,000 | $ 56,000 | $ 56,000 |
| Milwaukee-Waukesha-West Allis, WI | 1 | $ 257,000 | $ 257,000 | $ 140,000 |
| Naples-Marco Island, FL | 1 | $ 417,000 | $ 417,000 | $ 328,000 |
| New Orleans-Metairie-Kenner, LA | 1 | $ 344,000 | $ 344,000 | $ 71,000 |
| Oxnard-Thousand Oaks-Ventura, CA | 1 | $ 186,000 | $ 186,000 | $ 0 |
| Palm Coast, FL | 1 | $ 245,000 | $ 245,000 | $ 456,000 |
| Peoria, IL | 1 | $ 300,000 | $ 300,000 | $ 905,000 |
| Port St. Lucie, FL | 1 | $ 350,000 | $ 350,000 | $ 105,000 |
| Portland-Vancouver-Beaverton, OR-WA | 1 | $ 196,000 | $ 196,000 | $ 43,000 |
| Prescott, AZ | 1 | $ 100,000 | $ 100,000 | $ 27,000 |
| Pueblo, CO | 1 | $ 417,000 | $ 417,000 | $ 95,000 |
| Racine, WI | 1 | $ 233,000 | $ 233,000 | $ 90,000 |
| San Antonio, TX | 1 | $ 154,000 | $ 154,000 | $ 85,000 |
| Santa Ana-Anaheim-Irvine, CA | 1 | $ 648,000 | $ 648,000 | $ 275,000 |
| Santa Fe, NM | 1 | $ 157,000 | $ 157,000 | $ 0 |
| Sherman-Denison, TX | 1 | $ 10,000 | $ 10,000 | $ 90,000 |
| Springfield, IL | 1 | $ 131,000 | $ 131,000 | $ 150,000 |
| Springfield, MA | 1 | $ 100,000 | $ 100,000 | $ 31,000 |
| Springfield, MO | 1 | $ 270,000 | $ 270,000 | $ 59,000 |
| St. Joseph, MO-KS | 1 | $ 186,000 | $ 186,000 | $ 105,000 |
| Virginia Beach-Norfolk-Newport News, VA-NC | 1 | $ 210,000 | $ 210,000 | $ 100,000 |
| Waco, TX | 1 | $ 35,000 | $ 35,000 | $ 400,000 |
| West Palm Beach-Boca Raton-Boynton Beach, FL | 1 | $ 315,000 | $ 315,000 | $ 125,000 |
| Wilmington, DE-MD-NJ | 1 | $ 300,000 | $ 300,000 | $ 174,000 |
Mortgage Loan Application Detail Totals for First National Bank of Omaha in 2009
Loan Purpose |
Total Number of Mortgage Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Amount | Highest Mortgage Loan Amount | Average Applicant Income | Highest Applicant Income |
|---|---|---|---|---|---|---|
| Refinancing | 5,665 | $918,001,000 | $162,000 | $3,500,000 | $84,000 | $1,509,000 |
| Home Purchase | 2,961 | $395,297,000 | $133,000 | $680,000 | $67,000 | $4,456,000 |
| Home Improvement | 596 | $35,480,000 | $59,000 | $416,000 | $83,000 | $2,096,000 |
Applicant Race |
Total Number of Mortgage Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Amount | Highest Mortgage Loan Amount | Average Applicant Income | Highest Applicant Income |
|---|---|---|---|---|---|---|
| White | 7,273 | $1,088,211,000 | $149,000 | $2,559,000 | $80,000 | $4,456,000 |
| Not Provided | 1,273 | $185,516,000 | $145,000 | $417,000 | $84,000 | $1,250,000 |
| Hispanic | 357 | $32,021,000 | $89,000 | $407,000 | $45,000 | $327,000 |
| Black or African American | 123 | $12,123,000 | $98,000 | $417,000 | $56,000 | $540,000 |
| Asian | 106 | $15,242,000 | $143,000 | $417,000 | $82,000 | $923,000 |
| Not applicable | 74 | $13,843,000 | $187,000 | $3,500,000 | $14,000 | $470,000 |
| American Indian or Alaskan Native | 11 | $1,266,000 | $115,000 | $250,000 | $61,000 | $116,000 |
| Native Hawaiian or Other Pacific Islander | 5 | $556,000 | $111,000 | $257,000 | $97,000 | $260,000 |
Loan Type |
Total Number of Mortgage Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Amount | Highest Mortgage Loan Amount | Average Applicant Income | Highest Applicant Income |
|---|---|---|---|---|---|---|
| Conventional (any loan other than FHA, VA, FSA, or RHS loans) | 7,041 | $1,057,354,000 | $150,000 | $3,500,000 | $87,000 | $4,456,000 |
| FHA-insured (Federal Housing Administration) | 1,838 | $240,796,000 | $131,000 | $376,000 | $51,000 | $891,000 |
| VA-guaranteed (Veterans Administration) | 258 | $43,192,000 | $167,000 | $417,000 | $48,000 | $171,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 85 | $7,436,000 | $87,000 | $179,000 | $40,000 | $84,000 |
Outcome |
Total Number of Mortgage Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Amount | Highest Mortgage Loan Amount | Average Applicant Income | Highest Applicant Income |
|---|---|---|---|---|---|---|
| Loan Originated | 7,323 | $1,091,241,000 | $149,000 | $3,500,000 | $78,000 | $4,456,000 |
| Application Denied By Financial Institution | 631 | $65,209,000 | $103,000 | $1,000,000 | $63,000 | $616,000 |
| Application Approved But Not Accepted | 435 | $50,749,000 | $116,000 | $417,000 | $86,000 | $2,096,000 |
| Loan Purchased By The Institution | 404 | $78,255,000 | $193,000 | $417,000 | $104,000 | $905,000 |
| Application Withdrawn By Applicant | 257 | $39,691,000 | $154,000 | $2,559,000 | $87,000 | $1,250,000 |
| File Closed For Incompleteness | 84 | $12,673,000 | $150,000 | $417,000 | $89,000 | $626,000 |
| Preapproval Denied by Financial Institution | 51 | $5,955,000 | $116,000 | $271,000 | $41,000 | $148,000 |
| Preapproval Approved but not Accepted | 37 | $5,005,000 | $135,000 | $376,000 | $68,000 | $240,000 |
Denial Reason |
Total Number of Mortgage Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Amount | Highest Mortgage Loan Amount | Average Applicant Income | Highest Applicant Income |
|---|---|---|---|---|---|---|
| Credit History | 226 | $11,574,000 | $51,000 | $417,000 | $62,000 | $616,000 |
| Debt-To-Income Ratio | 207 | $24,360,000 | $117,000 | $1,000,000 | $47,000 | $400,000 |
| Collateral | 170 | $24,660,000 | $145,000 | $417,000 | $81,000 | $500,000 |
| Other | 32 | $3,680,000 | $115,000 | $416,000 | $54,000 | $219,000 |
| Employment History | 16 | $2,214,000 | $138,000 | $220,000 | $20,000 | $80,000 |
| Mortgage Insurance Denied | 13 | $2,335,000 | $179,000 | $346,000 | $79,000 | $214,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 8 | $1,306,000 | $163,000 | $319,000 | $72,000 | $123,000 |
| Unverifiable Information | 8 | $910,000 | $113,000 | $230,000 | $34,000 | $77,000 |
| Credit Application Incomplete | 2 | $125,000 | $62,000 | $75,000 | $20,000 | $41,000 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into First National Bank of Omaha's 2009 lending activity. By analyzing detailed data on mortgage applications, total loan amounts, applicant incomes, loan purposes, and approval rates, industry professionals, researchers, and analysts can gain a clear understanding of this lender's role in the mortgage market.
This in-depth HMDA data allows real estate experts, financial analysts, and policymakers to track lending trends, evaluate borrower demographics,
and assess First National Bank of Omaha's mortgage approval patterns.
Utilize this powerful dataset to analyze market performance, compare lending practices, and make data-driven decisions in the ever-changing mortgage industry.
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